Just a few inches of water can lead to thousands of dollars in damages. That's why flooding, not just from storms but from clogged drainage systems or broken levees, is the nation's No. 1 natural disaster, according to the Federal Emergency Management Agency.

Floods often result from torrential rainstorms and hurricanes. Floods also commonly result from snow melt. Floods also result as a side effect of development- such as road construction or a new housing community- that alter storm water drainage patterns.

Flood insurance of up to $250,000 can be purchased through the federal National Flood Insurance Program. It is relatively inexpensive, and coverage includes damage to your dwelling and its contents. Property protection and cleanup reimbursement, including sandbagging to prevent damage and removal of mud and debris after the fact, is also covered. Bilz Insurance can handle this policy for you.

The good news is that coverage is very affordable if you are not located in a special flood hazard area. Call Bilz Insurance today to get a quote on flood insurance for your home or business. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future.